Total Assets
$2.2B
Total balance-sheet footings
FDIC Cert #24563 · Laredo, Texas · Est. 1983
Texas Community Bank - FDIC Bank Health Profile
A community-scale look at Texas Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.2B
- Total assets
- A
- Health grade · Excellent
- 2.34%
- Return on assets
- 24.0%
- Tier 1 capital
Data updated July 2026
The verdict
Texas Community Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 24.04% Tier 1, profitable at 2.34% ROA, efficient (39% cost ratio).
- #553
- largest of 4,313 FDIC banks by assets
- 87th
- percentile by asset size, nationally
- 24.04%
- Tier 1 ratio - above the 10% well-capitalized line
- 95th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Texas Community Bank's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Texas Community Bank's composite health score
Tier 1 Capital Ratio (24.04%) 40/40
Return on Assets (ROA) (2.34%) 25/25
Texas Ratio (0.32%) 20/20
Efficiency Ratio (39.05%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.9B
Customer-funded liabilities
Net Loans
$1.1B
Outstanding loan book
Net Income
$50M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Texas Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Texas Community Bank's score of 100/100 falls in the highlighted band.
Texas Community Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Texas Community Bank's $2.2B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
24.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
24.04%
Texas Ratio
0.32%
Equity Capital
$270M
Profitability metrics
Return on Assets (ROA)
95th percentile nationally
2.34%
Return on Equity (ROE)
17.36%
Efficiency Ratio
39.05%
What the numbers say about Texas Community Bank
Texas Community Bank is an FDIC-insured institution (Certificate #24563) headquartered in Laredo, Texas, established in 1983. It holds $2.2B in total assets - 553rd of 4,313 FDIC-insured banks, $1.9B in customer deposits, and $1.1B in net loans. Capital-wise, the Tier 1 ratio sits at 24.04%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.32%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Texas Community Bank sits 51st of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$122M
Interest Income
$15M
Non-Interest Income
$41M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Texas Community Bank reports a Texas Ratio of 0.32% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.32% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Texas Community Bank (FDIC Cert #24563) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Texas Community Bank's health grade?▼
Texas Community Bank receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Texas Community Bank?▼
Texas Community Bank holds $2.2B in total assets and $1.9B in deposits, ranking 553rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Laredo, Texas.
Is my money safe at Texas Community Bank?▼
Yes, deposits at Texas Community Bank (Certificate #24563) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Texas Community Bank's Tier 1 Capital Ratio?▼
Texas Community Bank has a Tier 1 Capital Ratio of 24.04%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Texas Community Bank?▼
Texas Community Bank has a Texas Ratio of 0.32%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Texas Community Bank?▼
Texas Community Bank has an Efficiency Ratio of 39.05%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Texas Community Bank's profile as a depositor or analyst.
- Texas Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Texas Community Bank against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.